We fooled you, as chances are you thought we’d list the “good student discount,” which usually gives up to 15 percent off for those who maintain a “B” average, but most folks are aware of that. While it’s a bonus that’s good to get, and one we recommend you look into, you can likely save way more by simply doing a car insurance comparison to see who offers the lowest rates. Here’s why: Rates for the exact same coverage vary by hundreds of dollars, depending on which insurer you choose. That’s because each insurance company assesses risk differently and uses its own formula when deciding how much you pay. If you don’t shop around, you won’t save. You can see how much you can save by using our average car insurance rates tool, which shows rates by ZIP code for six age groups and three coverage levels, as well as the highest and  lowest rates fielded from up to six major insurers.
You’ve probably seen the commercials featuring the Geico Gecko. The company created on the online insurance quote model, and markets its ability to save you 15 percent or more on your car insurance. However, not only can you get a quote online, but in recent years Geico has added “real world” agents that you can visit offline, and you can also call or email. Geico also touts its ability to provide customer service via Twitter.
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In the small SUV category, the Outlander boasts safety features such as a rollover sensor, driver knee airbag, electronic stability control and airbags on the front and sides. With seven-passenger seating, front dual-zone climate control, a rearview camera and a 6-inch touchscreen display, the Outlander is built for young drivers who want to sit higher than in a sedan but still want a sleek ride.
Car insurance for college students can be pricey for sure, but you can capitalize on certain discounts. One that can reap up to 20 percent off is the “Student Away” discount. Typically, you qualify if you are listed on your parent’s policy and drive one of their cars they keep at home but attend college 100 or miles away. Some insurers may also require that you are under age 26 and unmarried to receive the discount.
Travelers $1,056/year ($88/month) We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more.
No matter what, car insurance is compulsory and you legally have to be covered. The government cracked down on uninsured drivers with the introduction of Continuous Insurance Enforcement (CIE) which states that every car, whether on or off the road, has to be covered. The only exception is if the car is declared off the road with a Statutory Off-Road Notification (SORN).
The Accord resembles the Civic in safety and reliability but is a bit more luxurious. An Accord includes a rearview camera, anti-lock brakes, electronic stability control, daytime running lights, a rollover sensor, side airbags, front and rear head curtain airbags and front seat-mounted torso airbags. The newest models also feature LaneWatch, which activates a camera on the passenger-side mirror when you use the right turn signal. LaneWatch allows drivers to see almost four times what the passenger-side mirror alone would show, helping teens avoid blind spots.
Teen drivers are faced with some of the most expensive car insurance rates of any demographic. Because of these high auto insurance costs, finding the cheapest car insurance can save you hundreds and, in some cases, thousands of dollars a year. Overall, we found that Erie Insurance offered the cheapest insurance to teenage drivers, though the most affordable insurer varied by region and state. Below, you can find the best auto insurance companies for young drivers in your area or you can enter your ZIP code above to begin comparing insurance rates immediately.
Endsleigh Insurance Services Limited (Company no: 856706), Endsleigh Insurances (Brokers) Limited (Company no: 1379864) and Woodstock Insurance Brokers Limited (Company no: 04288957) are all authorised and regulated by the Financial Conduct Authority. This can be checked on the Financial Services Register. All are registered in England at Shurdington Road, Cheltenham Spa, Gloucestershire GL51 4UE.

In western states, Grange Insurance Association (not to be confused with Grange Insurance) typically offered some of the cheapest car insurance policies to young drivers. Grange operates in California, Idaho, Wyoming, Colorado, Washington and Oregon. In Oregon, young driver rates from Grange were about 75% less expensive than the state average. For those looking for car insurance in California, GEICO is also another cheap alternative.
We acquired quotes from over 103 companies in 200 cities across the U.S. for a sample 17-year-old male driver who drives a 2011 Toyota Camry. We specified that he previously did not have insurance and was opting for full coverage (see limits below). We included the top 15 cheapest companies that were also available in at least 15 cities nationwide. For adding onto a parent's policy, we assumed the parent was a 45-year-old male, married, with no previous accidents or incidents in his driving record.
The first time you get caught driving without valid insurance in Texas, you will probably get off pretty lightly, at least compared with other states. That is, of course, if you consider the following getting off lightly. First-time offenders will, by law, be cited and fined between $175 and $350. Additionally, a surcharge of $250 will be added to your annual driver’s license fee for each of the next three years. Added up, getting caught driving without insurance in Texas the first time will end up costing you between $925 and $1100.
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